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Leaving Super in Accumulation Phase

Leaving Super in Accumulation Phase

Oct 4, 2021 | Accessing Superannuation, Blog, Centrelink, Contributing to Super, Retirement Income Streams, SMSF, Superannuation, Superannuation Tax

Leaving super in accumulation phase is an option if you are retired or nearing retirement. There are a number of reasons why you may choose to leave funds in accumulation phase. Once you retire, you are not obligated to withdraw your super or commence an income...

Best Time To Retire For Tax Purposes

Jul 11, 2020 | Accessing Superannuation, Blog, Centrelink, Retirement Income Streams, Superannuation, Superannuation Tax

The best time to retire for tax purposes in Australia is largely determined by superannuation rules. In saying that, the level of retirement income you need will also be a consideration. This article will assume that you have adequate funds to retire and are simply...
Covid-19 Super Access $10,000

Covid-19 Super Access $10,000

Mar 24, 2020 | Accessing Superannuation, Blog, Centrelink, Superannuation

If you are suffering from financial stress as a result of the coronavirus, you may be eligible to access some of your superannuation. Generally, you are unable to access your super until you meet a full condition of release, such as retirement or reaching age 65. The...
Grandfathered Account Based Pension

Grandfathered Account Based Pension

Jan 4, 2020 | Blog, Centrelink, Retirement Income Streams, SMSF, Superannuation

A grandfathered account based pension is an account based pension where the assessment of the pension income is calculated using the deductible amount method. The current assessment of a non-grandfathered account based pension for social security or aged care purposes...
What is an Indexed Pension?

What is an Indexed Pension?

Jan 2, 2020 | Accessing Superannuation, Blog, Centrelink, Retirement Income Streams, Superannuation

An indexed pension is an income stream that has income payments progressively increasing in value. The purpose of this is an attempt to ensure that the pension recipient has the ability to continue covering living expenses, despite the cost of living increasing due...
Allocated Pensions and Centrelink

Allocated Pensions and Centrelink

Jan 1, 2020 | Accessing Superannuation, Blog, Centrelink, Retirement Income Streams, Superannuation

The relationship between Allocated Pensions and Centrelink is important to understand. Your allocated pension will affect the level of Age Pension that you are entitled to. This article explains how your Allocated Pension affects your Centrelink entitlements and what...
Born in 1965: When Can I Retire?

Born in 1965: When Can I Retire?

Nov 22, 2019 | Accessing Superannuation, Blog, Centrelink, Retirement Income Streams, Superannuation

If you were born in 1965, you can retire when it is affordable to do so. For most people, retirement becomes affordable when they can access their superannuation.   Retirement income can also be supplemented if you become eligible for the Centrelink Age Pension....

Born in 1968: When Can I Retire?

Oct 11, 2019 | Accessing Superannuation, Blog, Centrelink, Retirement Income Streams, SMSF, Superannuation

When can you retire if you were born in 1968? Retirement is based on your ability to cover living expenses without needing to earn a work-related income. You may choose to continue working after reaching retirement, but it is good to know your full retirement age. If...

Commutations & Centrelink

Oct 9, 2019 | Blog, Centrelink, Retirement Income Streams, SMSF, Superannuation

What is a commutation payment? Commutations are a withdrawals made from the capital supporting an account based pension. Commutations may affect Centrelink entitlements. The extent to which commutations affect Centrelink entitlements depends on a few factors, which...
Pension Grandfathering Rules

Pension Grandfathering Rules

Sep 3, 2019 | Blog, Centrelink, Retirement Income Streams, Superannuation

Pension grandfathering rules apply to recipients of account based pensions (formerly allocated pensions) continuing to have their pension assessed for Centrelink and Aged Care purposes under the deducible amount method, rather than the deeming method. Some conditions...
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